AMERISAFE, Inc. (AMSF) vs Citizens & Northern Corporation (CZNC)
A side-by-side comparison of AMERISAFE, Inc. and Citizens & Northern Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — AMSF vs CZNC
growth of $100 · dividends reinvested · last 10yAMSF vs CZNC: by the numbers
- •CZNC is the larger company ($459M vs $440M market cap).
- •AMSF trades at the lower trailing earnings multiple (9.49 vs 17.38 P/E), one valuation lens rather than an overall verdict.
- •CZNC converts more revenue to profit (15.42% vs 14.00% net margin).
- •CZNC grew revenue faster over the past five years (8.12% vs -0.02% CAGR).
- •AMSF pays the higher dividend yield (11.25% vs 4.39%).
Metrics side by side
Valuation
| Metric | AMSF | CZNC |
|---|---|---|
| P/E ratio | 9.49 | 17.38 |
| Forward P/E | 11.92 | 11.82 |
| PEG ratio | N/A | 6.92 |
| P/S ratio | 1.31 | 2.80 |
| P/B ratio | 1.76 | 1.33 |
Profitability
| Metric | AMSF | CZNC |
|---|---|---|
| Operating margin | 18.55% | 18.58% |
| Net margin | 14.00% | 15.42% |
| ROE | 18.79% | 7.32% |
AMERISAFE, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Citizens & Northern Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | AMSF | CZNC |
|---|---|---|
| Dividend yield | 11.25% | 4.39% |
| Payout ratio | 105.65% | 75.91% |
Growth (annualized)
| Metric | AMSF | CZNC |
|---|---|---|
| Revenue CAGR (5Y) | -0.02% | 8.12% |
| EPS CAGR (5Y) | -11.20% | 2.35% |
| Total return CAGR (5Y) | -9.78% | 5.00% |
Frequently asked
- Which has the lower trailing P/E, AMSF or CZNC?
- AMSF has the lower trailing P/E: AMSF trades at 9.49 and CZNC at 17.38. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, AMSF or CZNC?
- Over the past five years, CZNC grew revenue faster — AMSF at a -0.02% CAGR versus CZNC at 8.12%.
- Does AMSF or CZNC pay a bigger dividend?
- AMSF yields 11.25% and CZNC yields 4.39% based on trailing dividends and the latest price.
- Is AMSF or CZNC more profitable?
- CZNC runs the higher net margin — AMSF at 14.00% versus CZNC at 15.42%.
- How have AMSF and CZNC total returns compared?
- Over the past 10 years, AMSF delivered -2.95% and CZNC delivered 6.80% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
AMERISAFE & Citizens & Northern appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.